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Benefits of Commercial Car Insurance

A moving truck
Here's what you need to know...
  • Laws requiring car owners to carry insurance coverage apply to business vehicles
  • A commercial car insurance policy can provide you with the third party liability coverage you need
  • You must have the appropriate coverage to match the uses of your vehicle or you risk facing penalties
Anyone who uses a car in the daily running of their business needs to understand the benefits of commercial car insurance.

Regular car insurance does not cover accidents or damage incurred while vehicles are being used for business.

Work vehicles must be covered when you are just transporting anything for work or traveling for work purposes.

Obtain online car insurance quotes for your commercial car insurance needs with the FREE rate tool located at the top of this page now!

Reasons to Buy Commercial Car Insurance

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Many business owners are reluctant to look into commercial car insurance because they don’t want to believe that they might need it, and they are afraid that car insurance rates will be too costly.

If you use a car for any business related purposes beyond going to and from work, you are likely to need commercial car insurance.

If you make deliveries, carry equipment or visit clients, you are using your vehicle for business and should have commercial car insurance in place.

If you are involved in a car accident while you are using your car for business, your car insurance provider has the right to refuse to pay the claim.

Your regular car insurance policy clearly excludes coverage for business use.

Types of Commercial Car Insurance

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Commercial car insurance comes in a variety of forms.

  • You can have private and sporadic business use coverage which gives you the protection you need if your vehicle is not primarily a business car and is not a significant part of the income from your business.
  • Another type is private and business use coverage which gives you combined coverage for both types of usage for the usual driver, as well as any other drivers listed on the policy.

Commercial coverage is for when the car being used for business is a private vehicle.

If the driver uses that vehicle in the course of their work, the car needs commercial coverage.

Non-owned auto policies should be provided for employees who use their personal vehicles for work purposes.

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Types of Vehicles Covered By Commercial Car Insurance

In most cases, the vehicles that get covered with commercial car insurance are the ones that are used in order for the company to meet its goals.

This usually includes:

  • Taxi cabs
  • Delivery vans and trucks
  • Ambulances
  • Fire trucks
  • Snowplows
  • Utility vehicles

It is important to only use these vehicles for commercial purposes if they are insured with a commercial auto insurance policy.

If you are driving a vehicle for personal purposes that is insured with a commercial policy and you get into an accident, the commercial insurance will not cover any damages.

In addition, if the accident ends up injuring someone and causes medical costs, the business and the person driving the vehicles could be held responsible and be financially obligated to pay for all costs.

Buying Commercial Car Insurance

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When you are ready to purchase commercial car insurance, you can do so in much the same way you would if you were to buy personal car insurance.

Use free quote tools that allow you to effectively and easily shop around for the best price from the comfort of your own home.

Once you have those important car insurance quotes, you will want to take the time to carefully compare more than just price.

In addition, you should check out any insurer you are planning to get a policy from before you take out that policy.

You can do so simply by getting their insurance rating from one of the independent insurance ratings companies like A.M. Best or Weiss Ratings.

Checking with your state department of insurance for their complaint ratio will also give you valuable information.

Enter your ZIP code into the box at the bottom of this page and get commercial car insurance quotes for FREE immediately!

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